Neutrophils. A type of immune cell that is one of the first cell types to travel to the site of an infection. Neutrophils help fight infection by ingesting microorganisms and releasing enzymes that kill the microorganisms. A neutrophil is a type of white blood cell, a type of granulocyte, and a type of phagocyte.
If you exclude the spouse with the DUI from your policy your insurance would not cover that person if they were involved in an incident in your car. If you are concerned about liability for his driving habits, a better way would be to obtain legal advice as to car ownership with him and to act on that.
While it may vary from company to company, often a speeding ticket won't have an immediate effect on your insurance rates. This happens because most insurance companies do not look at your driving record every month, but do so when your contract is initially purchased or renewed. If your driving record shows a speeding ticket when trying to purchase insurance you'll likely be charged more. If they notice it when the renewal occurs, your rates are likely to increase as well. The effect of multiple speeding tickets on your insurance While getting a single speeding or traffic ticket may not drastically increase your insurance costs, getting several in a short timeframe - or even a span of a couple of years - can create significant problems.